I am a new member

[beverly0408]

Hello community! I am new here and interested in what you all are discussing! Happy to be here..

[shipo]

What's on your mind?

[beverly0408]

Good evening, I am here to learn about life during BK13. I have 4 more years to go and the payments are quite tough right now. Any advise on what I can possibly do to lower the payments? Call my lawyer? Call the trustee's office? Any advice will help! Thanks all!!!!

[shipo]

Your attorney is the most appropriate next step; contacting the Trustee will most likely get you directed back to your attorney.

[justbroke]

Yep, don't contact the Chapter 13 Trustee when you are represented by an attorney. When a Chapter 13 debtor has any financial setback, including loss of hours/wages or other significant events, they should immediately contact their attorney. I do not know why Chapter 13 debtors always try to figure it out on their own. A Chapter 13 has some features will can allow for payment abatement or even a recalculation if there's been a loss of income and there is room in the plan for this to happen.

So, as shipo writes your attorney should be immediately contacted. I will add that if this difficulty is the result of a refusal or inability to budget, then the Chapter 13 will never work.